Financial Independence
FIRE Calculator 2026
Precisely calculate your path to early retirement — with real returns, inflation, and multiple FIRE targets
Personal Details
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Retirement age must be greater than current age.
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Investment Assumptions
4% = Trinity Study standard · 3.5% = Conservative · 3% = Ultra-safe
◈ Your FIRE Numbers
FIRE Number (Target Portfolio)
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At 4% SWR on your annual expenses
Projected Portfolio at Retirement
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In today’s dollars (real terms)
Years to FIRE
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You’ll reach FIRE at age —
Savings Rate
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Monthly contrib ÷ annual income
Portfolio Progress to FIRE
0%
◈ FIRE Variants
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Lean FIRE
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Frugal lifestyle
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FIRE (Base)
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Your current expenses
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Fat FIRE
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Comfortable lifestyle
◈ Coast FIRE
Coast FIRE Number
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Amount needed now to coast (no more contributions)
Coast FIRE Status
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◈ Portfolio Growth Chart
◈ Year-by-Year Breakdown
| Age | Year | Portfolio (Real $) | Annual Contribution | Growth | vs FIRE Target | % Complete |
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